This is a basic guide to set up your personal website.
The next program you will need is a photo editor, if your going for a professional look you should get adobe Photoshop CS2 which can be breaking your bank for a small website so I would say look for a open source one which would have to be GIMP (GNU Image Manipulation Program), or if you brought the macromedia studio MX that includes dreamweaver you should of also got fireworks which is another photo editor.
Once you have created your design you want to go ahead and use the slice tool which will break up your image into different pictures, so you need to find your navigator and use your slice tool on that then next find the content area and slice that off.
If you use Photoshop you can now go file save for web, you will have to find something similar in your photo editor if you haven’t got that option.